Fee-based, not commission-based
You pay us for advice, so every recommendation is built around your life, not a product provider’s targets. Our fees are published and agreed before we start.
Families first
We work with parents and young families who want to get the big decisions right: cashflow, debt, education, retirement, cover, and a Will that actually protects the kids.
Certified, independent, accountable
Led by Terence Tobin CFP®, with nearly two decades in the profession. Rich Ideas Group is an authorised financial services provider, FSP #50569.
YOU deserve a great plan!
You shouldn’t have to guess if you’re doing the right things with your money. Perhaps you are earning well, saving, and investing…but still feel unsure if everything is working together properly.
At Rich Ideas, we help you get clear.
We bring structure to your finances, simplify the complexity, and give you a clear plan so you can move forward with confidence. No product sales pressure. Just advice that is built around your life.
The Rich Ideas team are here for YOU!
The Financial Advisors and Planners at Rich Ideas, are fee based. This means we focus on you and not product providers.
Much the same as other professional practitioners we charge a professional fee based on the time and effort we spend in preparing opinions, proposals and research.
We unfortunately cannot merely prepare proposals with detailed solutions and recommendations without compensation. We believe that our solutions and recommendations stand apart from products that can be used to meet the planning requirements and must be remunerated as such.
This also prevents the bias to recommend solutions which are tailored to sell products and keeps us focused on you.
If you are contacted via WhatsApp or any other medium by strangers reporting to be authorised to offer financial services on behalf of Rich Ideas Group (Pty) Ltd or Rich Ideas or any variation of our name, please do not engage with them or do business with them. The ONLY two authorised respresentatives of Rich Ideas Group (Pty) Ltd are listed on this website with their photos. If you are unsure, please contact our offices directly or email our founder Terence Tobin.
We do not cold call, we do not canvas for business via email, WhatsApp or other means.
Please also visit www.fsca.co.za – The Financial Sector Conduct Authority – for further verfication.